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VISA Credit Cards
Effective Date: January 4, 2021
Loan Type	Amount	Annual Percentage Rate (APR)*
Classic	$1,000 to $5,000.00	11.50% non-variable for purchases
		11.50% non-variable for cash advances and balance transfers
Platinum	$5,000.00 to $20,000.00	8.9% non-variable for purchases and balance transfers
		11.50% for cash advances
No annual fees. VISA Classic and VISA Platinum minimum payments are calculated at 3% of the outstanding balance or $10. View full VISA disclosure. Penalty APR and when it applies: ICCU will not automatically increase your interest rate except in cases of severe delinquency (60 days past due). Credit is subject to approval. Rates, terms, and conditions are subject to change at any time. How we will calculate your balance: We use a method called "average daily balance (including new purchases)." How to avoid paying interest: We will not chare you interest on purchases if you pay your entire balance owed each month within 28 days of your statements closing date. Minimum Interest Charge: If you are charged interest the charge will be no less than $1.00. Foreign transaction fees: 1.00% of each foreign currency transaction in U.S. dollars. 1.00% of each U.S. Dollar transaction that occurs in a foreign country. To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

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